Is there any institution that can help repay the loan?

Who will help negotiate online loan repayment?

Helping to negotiate repayment is basically unreliable.

In fact, except for banks, almost no lenders accept repayment by agreement.

If the borrower applies for a loan from an auto financing institution or a small private loan, the lender will only collect it after the deadline and will not accept negotiation at all.

Because private small lending institutions are short of funds, there are many lending companies behind them to support funds.

If a loan is not recovered within the specified time, it is equivalent to a loss for the lending institution. Therefore, the collection methods of many small loan institutions are more violent, which also makes many borrowers miserable.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry.

In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.

In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".

Is there a department dedicated to helping those who can't afford online loans?

Some people record loans online, but they can't get them in the end, so it also causes great trouble to their lives. So I want to ask if there is a department that specializes in helping people who can't borrow online? In fact, there is such a department, which is what we call the Ministry of Justice, because online lending can actually rise to legal channels, and many online lending platforms are informal. Moreover, the interest on online loans is also very high. Everyone can borrow the interest on online loans, and there are no vouchers and loan contracts with online loans.

Ask the legal department for mediation.

But what everyone needs to pay attention to is that because they really borrowed money from the Internet, they are unable to repay it, so their attitude is better. What many courts can do is to mediate. Because I have money online, and I have spent all this money, and I can't repay it in the end, so it will not be allowed by law. Just like when people borrow money from a bank, if the bank staff find it overdue, they will also sue the judge in court and stand on the bank's side. After all, they really borrowed money and failed to repay it on time.

Online lending is not reliable.

The interest of most online loans is higher than that of banks, and online loans are not particularly reliable, so many lawyers do not recommend you to borrow money online. In fact, when you borrow money and can't repay it, you can call customer service. There are some formal online lending platforms that can repay in installments.

Find customer service negotiation

In a word, all the borrowed money must be repaid, so we shouldn't take any risks. If the online lending platform sues the borrower to the court, it will be particularly ugly. So I suggest you think about whether you can repay the money before borrowing money.

National aid agencies to help repay online loans

There is no such institution in China. If this happens, it is recommended to seek legal help. The law can help institutions caught in online loans.

Solution:

1. Consider consulting platform.

You can contact the platform official, but there is little hope. Even if you can, you can only reduce the interest, and you will have to pay it back after all.

Interest exceeding 36% is not allowed, that is, loan principal X36%= total repayment amount. If the total repayment amount displayed by the APP exceeds the figure calculated by the formula, there is room for discussion.

Step 2 make a forced landing

Give priority to the minimum repayment installment of credit cards, then go to the platforms of big companies such as Alipay, Microfinance and JD.COM, and finally go to the general platforms for repayment, in this order.

If some platforms are in a hurry to collect money, they can try to pay back some and prove their sincerity in repayment. Its purpose is to earn money by collecting interest.

3. Advantages and disadvantages

You can tell your good friends in advance that your mobile phone number is stolen and you will receive a reminder message, so that your relatives and friends don't believe it.

Second, turn on the stranger's call rejection function. Most of their collection phone numbers are virtual numbers and cannot be dialed back.

Of course, if there is a platform violent collection, such as malicious P-pictures, abusive words, threats and other remarks, remember to record the phone, and such violent collection can contact the police;

Stay sane

There are many ways to cheat, so keep a clear head to avoid being cheated.

Precautions for online lending:

1. Open a website under the banner of a professional company.

Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners.

2. "Unsecured, unsecured" and "same-day loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear.

Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions.

4. Internet transfer scam

In the online transfer scam, the fraudster will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.

Are there any companies on the Internet that help pay off debts?

Companies that help deal with debts online are real, but they charge a certain fee. This is called cutting leeks. But in real life, too many people do not deal with the debt problem, which leads to the existence of such institutions. I have done this for others before, and charged a certain fee. This is also reasonable, because if you don't do it, you still let others do it for you. In contrast, I will never do all kinds of business, just because the debtor doesn't understand or even want to do it, then there will be such institutions, such as credit card overdue installment, installment negotiation of various loans, and some cases of surrender and interest refund. Because the debtor is lazy, ideologically speaking, he is lazy, does not think positively and does not use his brain, which eventually leads to double the loan. Because there is a certain saying about the loan, for example, if the debtor is overdue, there will be certain interest and penalty interest, so if the debtor fails to pay back for a long time, it will face more interest and more fines. The longer you owe, the more you owe. Therefore, it is possible to negotiate through institutions or individuals themselves, but we must operate in advance to avoid more benefits.

The existence of debt collection companies is illegal, and it is impossible to engage in debt collection business through legal channels. First of all, there are no debt collection projects in industrial and commercial registration, and it is strictly forbidden to register debt collection companies. At present, the provisions of Chinese laws and regulations on debt collection companies are first found in the Notice on Stopping the Registration of Debt Collection Companies Submitted by Public Security Organs 1993 of the State Administration for Industry and Commerce, which explicitly requires industrial and commercial administrations at all levels to immediately stop registering debt collection companies and similar enterprises submitted by public security organs. For those who have registered, the administrative authorities for industry and commerce at all levels shall notify them to immediately stop the "debt collection" business. 1995 The Ministry of Public Security, the State Administration for Industry and Commerce and the then State Economic and Trade Commission jointly issued a document prohibiting all kinds of enterprises from registering for industry and commerce in the name of debt collection.